Risk Operations Associate

3 tygodni temu

Kraków, Lesser Poland Mamo Limited Pełny etat

At the heart of every decision we make at Mamo, whether in our designs, product, software, or relationships, is trust. Every day, we work hard to earn and retain the trust of our employees, our users, our partners, and our regulators. As a young organization, we are looking for a Risk Operations Associate who can weave trust into the fabric of our organization and its processes.

This role will involve fraud detection, risk underwriting, and ongoing monitoring, particularly in the payments acquiring space. If you're passionate about mitigating risk, analyzing fraud patterns, and refining underwriting processes, we'd love to hear from you.

What you will do
  • Onboarding due diligence: Scrutinize documents and details during customer onboarding to prevent onboarding of fraudulent users.
  • Underwriting: Conduct thorough underwriting checks of new and existing clients to assess and verify their financial stability and risk profile.
  • Document verification: Review and verify proof of address documents such as utility bills, tenancy contracts, and bank statements to ensure compliance and accuracy.
  • Ongoing fraud monitoring: Conduct ongoing transaction and merchant monitoring using the fraud engine to detect and prevent suspicious activities, monitoring key risk indicators such as fraud rates, dispute rates, excessive refunds, and financial health.
  • Risk monitoring and investigations: Conduct investigations, including performing Acuris checks, analyzing failed payments, and reviewing blocked payments and top-ups.
  • Collaboration and compliance: Collaborate with key stakeholders to ensure that systems, controls, and procedures are effectively preventing, detecting, responding to, and remediating issues related to internal and external fraud risk.
  • Business document review: Assess expired and newly submitted business documents, making necessary updates in our internal systems.
What we're looking for
  • Resourcefulness - get things done attitude.
  • Investigative and curious nature.
  • Experience in payments acquiring fraud prevention, risk underwriting, or merchant monitoring (preferred).
  • Strong analytical skills with the ability to identify fraudulent patterns and assess financial risk.
  • Hands-on experience with fraud detection tools and KYB/KYC processes within fintech, payments, or banking.
  • Familiarity with merchant acquiring, chargeback monitoring, and dispute resolution processes.
  • Experience in risk operations with finance/payments a plus.
  • Ability to use multiple tools (technology) creatively during investigations to reach correct conclusions on fraud cases.
  • Previous experience in a similar operational role.
  • Basic knowledge of KYB, legal forms, and ownership structures will be preferred.
  • Strong attention to detail, particularly in recognizing forged or suspicious documents, and identifying fraudulent transaction trends.
  • Competence in checking document validity and extracting essential information from our systems.
  • Ability to work independently and as part of a team.
  • Excellent communication and interpersonal skills.
  • Training related to documents and the internal system will be provided.
Why you'll love working here
  • Startup environment that's big on individual responsibility and leans on process and automation.
  • We're big on culture. Work with stunning, supportive product, design and engineering teams on problems that matter.
  • You will be learning and growing all of the time. From business, product, design to engineering you will be learning from a world-class team that is caring, kind, and empathetic.
  • Mamo has the potential for a wide-reaching impact. Mamo is taking on the challenge of bringing about a new era of financial inclusion that begins close to home by providing access and experiences that make sense. That means you will never be bored.

NOTE BEFORE APPLYING

Although we appreciate the potential of AI, we kindly request that you answer our screening questions independently to allow us to really get to know you. Applications with AI-assisted responses may not proceed further in the selection process.

At Mamo, our employees are our first customers. We want our teams to be happy and healthy both inside and outside of work. Our benefits and perks are indicative of the philosophy that by taking care of our people they would take care of our users. We hire courageous explorers who are both kind and compassionate, and who enjoy iterating, learning, and growing. Here's how we set you up for success:

  • Equity, that's right we want you to have skin in the game (full-time team members).
  • Competitive salaries that are revisited yearly or each time we raise funding.
  • Top-tier medical insurance, so that you are your best at work (full-time team members).
  • Endless training opportunities, our philosophy here is simple: learn, grow and share.
  • Rest up and come back refreshed with up to 25 paid days off in addition to statutory leave (full-time team members).
More about Mamo

Mamo's flagship product is Mamo Business. The platform includes three critical parts to starting and operating a business; payments (money movement, receivables and payables), spend management (corporate cards) and API integrations.

Mamo is driven by its mission to remove the burden for small businesses requiring sophisticated and expensive engineering teams by automating their payments and finances so that they can reclaim time and resources and focus on growth. SMEs choose Mamo infrastructure to build better payment experiences, faster.

Mamo is proud to own and operate all of its core and financial IP. In 2022, Mamo was the first Fintech startup licensed by the DFSA with a Cat 3C Providing Money Services licence; allowing it to accelerate growth and expand into new markets and financial services.

Learn more about Life at Mamo →

Learn more about Mamo on LinkedIn →

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